Most UK lenders offer between 4 and 5 times income. Loans, cards and car finance reduce how much you can borrow. This is a guide only, not a lending decision.
Based on England & Northern Ireland SDLT rates (2025/26). First-time buyer relief applies up to £500,000. The 5% additional-property surcharge applies to second homes and buy-to-lets.
Many UK lenders let you overpay up to 10% of the balance each year without an early repayment charge. Check your own deal before overpaying.
Loan-to-value is the size of your mortgage as a percentage of the property price. A lower LTV usually unlocks better rates.
Gross yield is annual rent divided by price. Net yield takes running costs into account.
During a payment holiday interest still accrues and is added to your balance, so your payments afterwards are higher. Lender agreement is required and eligibility varies.
These calculators give indicative figures for guidance only and do not constitute financial advice or a mortgage offer. Actual figures depend on your circumstances and lender criteria. Savings and figures are illustrative. Speak to an adviser for a personalised, accurate assessment.
An adviser can turn these estimates into a precise, personalised plan. It only takes a quick call.